March 29, [redacted] Redbarn Ct Oakley, CA Dear [redacted] ; On March 20, 2017, we received your complaint filed with the Revdex.com In summary, you feel that our representatives treated you rudely, denied providing account information and failed to transfer you to a supervisor as requestedGolden strives to provide exceptional service with every member interaction so we take these allegations seriously We reviewed all call recordings related to your complaint and we confirmed you were not able to complete the account security questions for the account, which are used to identify authorized parties on behalf of the account holderAt that point, neither the representatives with whom you spoke nor a supervisor were able to discuss the account with youWhile we believe our representatives appropriately handled their communications with you, we will use this experience as a coaching opportunity to meet our exceptional service commitment Should you have any further questions or concerns regarding this matter please feel free to contact me Sincerely, [redacted] Manager, Member Care Support Golden Credit Union [redacted]
December 21, [redacted] San Pablo, Ca RE: Conversation Summary Dear MrC [redacted] , This letter is to summarize our telephone conversation that took place today, December 20, Golden Credit Union appreciates your feedback, which helps the credit union improve its service As promised in our conversation, I have enclosed a copy of the pre-approval letter that was previously provided to you The disclosures pertaining to the savings account and credit inquiry are located on page of the letterWe do, however, acknowledge and understand that you did not intend to open a savings account or have your credit pulled In an effort to exhibit our commitment to service excellence, we agree to have the credit inquiry removed from your credit reportI have submitted the request to the appropriate department and will contact you via telephone once the request has been completed Thank you for bringing your concerns to the credit union’s attention and allowing us the opportunity to address themIf you have any additional questions related to this matter, please feel free to contact me directly at [redacted] Respectfully, [redacted] Manager, Consumer Direct Lending Enclosure: Pre-approval Letter
I am rejecting this response because:The phone number given is not the correct number, I had to call the number on the back of the Golden One debit card to be told thisAlthough it is neither the banks fault or mines, $1,was taken out of my money in regards to this overdraft of $3,250.00, and a balance still remains of $2,This happened over a six month time period and the "Customer Care " stated that I have three months to pay back this amount before my account is sent over to Chex Systems and closed, they refused a payment plan option for me
December 19, Ms [redacted] Auburn, California Dear Ms***: This letter is in response to the request that you submitted to the Revdex.com regarding your Toyota Camry auto loanYou requested you would like the automated phone messages regarding the payment of your loan to stopPlease accept this letter as confirmation that your loan account has been removed from the automated phone message system and any future collection calls will be initiated manually by a Golden representative As a reminder, your auto loan payment in the amount of $ was due on November 25, Unless requested in writing, Golden Credit Union will attempt to call you manually, while your account remains in a past due status Golden Credit Union apologizes for any inconvenience this may have caused you Thank you for bringing your concern to our attention Sincerely, [redacted] Manager, Member Care Telephone: [redacted] E-mail: l [redacted] @golden1.com December 23, [redacted] Auburn, CA Dear Ms***, The RevDex.com forwarded us additional information on December 16, in regards to a transfer of funds from your account and removal from the Courtesy Pay ProgramYour correspondence was forwarded to me for response and resolution A letter was sent notifying you that your account ending in ***was no longer eligible for the Courtesy Pay ProgramPeriodically we perform systematic reviews of the Courtesy Pay Program to verify each account still meets the eligibility requirements of the program Due to your loan being delinquent more than days, your account was no longer eligible for this program On December 15, a transfer was made from your checking account in the amount of $and placed on the loan to bring it current This action in turn re-qualified you for the Courtesy Program Your auto loan is now current and the payment cannot be reversedAs a courtesy we have reimbursed the $ACH insufficient funds fee and placed it back into the checking account We genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely, Kathy Flynn Vice President, Account Services
[redacted] Dear [redacted] , Thank you for taking the time to contact the Credit Union with concerns about your accountMember comments such as yours allow us the opportunity to evaluate the level of service provided across the organization I am writing in response to your correspondence with the Revdex.com regarding the report to ChexsystemsYour correspondence was forwarded to the credit union on September 2, for response and resolutionUpon conclusion of our research regarding the events referenced in your correspondence; we determined the amount reported to ChexSystems was accurateAs of June 5, your account had an overdrawn balance of $The account was closed on June 5, and you were reported to ChexSystems We genuinely appreciate you taking the time to share your thoughts and concerns regarding your experience with your checking account Sincerely, [redacted]
June 22, [redacted] Victorville, CA Dear Mr ***, We are in receipt of your rebuttal to our response issued through the RevDex.com on June 21, To summarize, you believe the response provided by the Credit Union contained incorrect information and ask that proof is provided for the inquiries on your credit report We have reviewed your call with a Member Solutions representative on May 31, During your call, an application was obtained for a Personal and Vehicle loan The employee obtained your permission to access your credit report before beginning the applications You discussed a Personal loan in the amount of $4,with a repayment term of months When entering the application, the employee made an error and entered the amount of $48.00, instead of $4,We confirmed the application for the vehicle loan was entered shortly after for the amount of $5, On June 1, 2017, Valley Hi Kia submitted two vehicle loan applications to Golden through the Credit Union Direct Lending (CUDL) programBoth applications containing your personal information, were submitted for the purchase of a Honda OdysseyOur records indicate the loan amount on the applications were , $19, and $11, The original credit report obtained through Experian on May 31, was used to process the applications We have confirmed only credit report was obtained and used for our decisions on all four aforementioned requests to extend credit Based on our decisions, separate Adverse Action notices were mailed to you, which contain detailed information of each loan, as well as the reason for denial We have re-confirmed that our one inquiry complied with the permissible purpose provisions of the Fair Credit Reporting ActThank you for bringing your concerns to our attention Sincerely, [redacted] | Channel Administration Golden Credit Union [redacted]
September 8, [redacted] [redacted] Dear Mr [redacted] , I am writing in response to the compliant you filed with the Revdex.com (Revdex.com) on August 21, regarding counterfeit items you deposited to your Golden account and subsequently withdrew the funds Golden makes every effort to protect our members from fraudulent activitiesOur staff cannot know when a check, that appears to be legitimate, will be returnedIt is usually the circumstances around the checks being provided to our members that indicate if they are potentially fraudulentAs the accountholder, you are responsible for all items you deposit into your account There are many scams that prey on individuals, such as yourself, and we will do what we can to assist you through the processIt does not appear that you suffered a financial loss as a result of this scamThe Senior Manager of Financial Investigations has attempted to contact you to clarify the situation; however, you have yet to return his attemptsWe believe that you are concerned about your inability to use Bill PayWhen an account has been compromised it is restricted and the member is temporarily unable to use online banking until the situation is resolvedAlso, since your account has been compromised, you will need to obtain a new account number and re-enroll into the online banking service We do want to provide you the following suggestions and information to help you going forward Suggested steps to take if you have been scammed: Contact your local police department to file a reportFile a report with the Internet Crime Complaint Center at [redacted] File a complaint with the Federal Trade Commission at [redacted] ..We understand your frustrationI hope you find the information in the above links helpfulIf you have any additional questions or would like to clarify your concerns, please contact [redacted] , Senior Manager of Financial Investigations directly at [redacted] , or you can email him at [redacted] Sincerely, [redacted] Vice President, Account Services
Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me I feel that the first time I was put through the person did not listen and was short and I felt cut off during the course of the conversationIn the near future, it would be helpful to provide some additional training on certain aspects of customer service over the phone[redacted]
March 22, [redacted] San Jose, CA Dear Mr***, I am writing in response to your correspondence with the Revdex.com (Revdex.com), your complaint was sent to Golden Credit Union on March 16, for response To summarize your statement to the Revdex.com, on March 15, you performed a cash deposit at a Golden Credit Union ATM located at Golden Gate Avenue, San FranciscoThe ATM accepted the cash after several attempts then failed to credit your account at Alliant Credit UnionWhen you contacted our Member Service Center, we referred you to your financial institution for resolution ATM deposits through the Network are governed by rules to protect credit unions and members In the event there is an error, your credit union, in this case Alliant Credit Union will contact Golden on your behalf As the depository institution receiving the ATM deposit, Golden is not able to credit your Alliant Credit Union account in the case of an error For these reasons, you were asked to work with your credit union for resolution We do appreciate your feedback regarding the service issue you experienced with our ATM and have addressed this with our ATM servicer If you have further questions or concerns regarding this matter, please feel free to contact me directly at [redacted] Sincerely, [redacted] Vice President, Account Services
Please see attached: January 9, [redacted] Sacramento, CA Dear Mrs [redacted] , Your recent comments to the Revdex.com have been forwarded to me for review and response Member comments such as yours allow us the opportunity to evaluate the level of service that is being provided across our organization We apologize for the issues you have encountered over the last few months I have performed a thorough review of your account and contact history as well as your interactions with our branch staff to determine how this unfortunate situation occurred The only error I was able to identify was that the loan was not transferred to the individual account as you requested, but to another of your joint accounts However, the account and loan history clearly indicated the account number where the loan had been transferred, so it is unclear how an employee could have missed that the loan was transferred and not paid in full Furthermore, multiple statements and late notices were mailed to the address on file notifying you of the locations of your loan and the status Due to our findings while researching this complaint, one of the late fees charged to your loan was reversed The negative credit reporting and remaining fees will remain A separate letter has been mailed to your home address detailing the reasons for our decision Once again, thank you for bringing your concerns to our attention and we apologize that your request was not processed as you originally requested We value your membership and we look forward to assisting you in the future with your financial needs Sincerely, [redacted] | Channel Administration Golden Credit Union E ***@golden1.com
February 16, [redacted] [redacted] ** [redacted] Dear Ms [redacted] , I am writing in response to your correspondence with the Revdex.com, dated February 12, 2016, regarding a hold placed on your account On January 22, you deposited a counterfeit cashier’s check in the amount of $via mobile deposit, which you subsequently withdrew The check was returned as altered/fictitious on January 27, bringing your account negative -$ The direct deposit you refer to was offset to eliminate the negative balance You have a balance of -$ due to the Credit Union Your accounts are not currently restricted; however, further fraudulent activity could result in account closure Sincerely, [redacted] Vice President, Account Services Golden Credit Union
November 1, 2016 [redacted] Dear Mr. [redacted] , We are responding to your concerns addressed to the RevDex.com about your Student ***... account. Your correspondence was forwarded to me for response and resolution. We reviewed the call and the information you were provided by a Golden 1 representative and found it to be inaccurate. We apologize for the miscommunication; the individual has received training and coaching. Per your request, we removed the trade line from your credit report which should take affect at all credit bureaus in 5-7 business days. We do recognize that you have many choices when it comes to financial services and we appreciate your decision to place your business and trust with Golden 1. If you have further questions or concerns regarding this matter please feel free to contact me directly at [redacted] . Sincerely, [redacted] Vice President, Account Services
March 22, [redacted] *** [redacted] *** [redacted] Dear Mrs***, I am writing in response to the compliant that you filed with the Revdex.com (Revdex.com) on March 16, I wanted to let you know that at Golden we do our best to protect our members from fraudulent activities Our staff cannot know when a check that appears to be legitimate will be returned It is usually the circumstances around the checks being provided to our members that would indicate if they are potentially fraudulent We have to count on our members to question these circumstances There are many scams that prey on individuals, such as yourself, and we will do what we can to assist you through the process but we are not able to credit you money for a fraudulent check We do want to provide you the following suggestions and information to help you going forward Suggested steps to take if you have been scammed: Contact your local police department to file a reportFile a report with the Internet Crime Complaint Center at [redacted] File a complaint with the Federal Trade Commission at [redacted] Useful links for more information on mystery shopping and scams: [redacted] You may also wish to visit the Mystery Shopping Provider's Association (MSPA) website at [redacted] for a list of reputable mystery shopping companies We understand your frustration I hope that you find the information in the above links helpful Sincerely, [redacted] VP, Account Services
I am writing you today regarding an ongoing dispute involving a previous loanAs I am sure you are aware, I have brought about concerns and disputes via several channelsI have received your response, dated April 13thIn response to the information you provide I insist the following: The Notice of Intent to Sell Property was not received by me nor did I sign for itIf your records have evidence it was sent, it certainly wasn’t signed for or accepted by mePerhaps it was signed for by a relativeI have seen this happen before but for future reference, I live in Elk Grove, California not Galt, CaliforniaI did not receive the deficiency letter in which you make reference toI still insist the credit reporting is inaccurateUltimately, I suspect Golden will continue to insist they proceeded responsibly and I will insist they handled it irresponsibly which does not bring a resolution to the matterA resolution is ultimately what I seekIt is my intention to find a resolution to this whether it be with Golden directly, with the assistance of involving more outside agencies, taking to social media or via litigating itI think handling the matter privately is advantageous for the both of us in terms of time and costThe Statute of Limitations to collect the balance in question is running down – in the event I am sued I will certainly respondNo default judgement would be acquired hereFurthermore, if a judgement was obtained – I have no wages to garnish, no assets to lien and no active accounts to levy (feel free to check public records)In the event I did acquire assets in the future, Golden would likely take position behind other creditors who are also seeking repaymentIn this case because of my finances, I would be forced to file bankruptcy due to my lack of ability to repayMy outstanding balances in default are in the six figures and I have another vehicle deficiency that is triple the balance of the one at Golden (of more than accounts in default)I am fully aware of the direction furnishers have been provided regarding deleting accurate trade lines and I am familiar with the many stages of disputesI think by this point it might be clear I am not a typical consumerI am adamant that Golden is not reporting correctly and I would greatly prefer to avoid the daunting, expensive and disgustingly slow process of suing Golden to prove thatI am currently already litigating matters similar to these as a defendant (feel free to check public records)Please consider the following requestWould Golden settle the account for 30% of the total balance owed in exchange for considering the account fully resolved and agree to delete the trade line in full from all my credit reports as part of such a settlement? My request is far different than the sought-after “pay for delete” agreement as I am actually requesting inaccurate information be deleted for settlementIf Golden has concerns about the deletion they should be able to reference that I have filed multiple credit disputes and have involved five agenciesWith that said, I think it is quite obvious that inaccurate data may exist and that a deletion and settling the account would be a good business decisionI believe Golden would likely be ordered to compensate me for their errors if we presented this as a case, so I feel an offer of compensation from me to Golden is more than fair and equitableThe case numbers for my filings with the five agencies I reference are belowThank you for your timeSincerely, [redacted]
I am rejecting this response because: based on statements regarding my giving permission to Golden One Credit Union for any other application than the request for personal loan ($5000) and refinancing loan for the [then] current loan ($5600) of which only one exact amount is properly reflectThe statements made by this credit union are completely and I challenge them to prove otherwise!
Thank you for taking the time to contact the credit Union with concerns about your accountMember comments such as yours allow us the opportunity to evaluate the levels of service provided across the organizationI am writing in response to your correspondence with the Revdex.com regarding an unauthorized check that cleared your account and you’re seeking reimbursement for the checkYour correspondence was forwarded to the credit union on December 12, for response and resolutionFrom your correspondence, we understand you were provided with inaccurate and inconsistent information when inquiring about when you would be receiving credit for the unauthorized check for the amount of $ 299.63, which was debited from your account on November 18, I sincerely apologize for you experience in trying to resolve this matterA credit was posted to your account for the full amount of the check in the amount of $As a one-time courtesy, we reversed $for a Courtesy Pay fee that was charged to your account on December 7th, We genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely [redacted] Vice President, Account Services
Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me I appreciate you all finally looking into this as this ha caused my life hell and ruined my creditYou are now doing what you should have done in the first placeI do not look forward to ever doing business with golden against you all have horrible customer service associates and it should not take me going to the Revdex.com to make it better as I customer if I call and [redacted] you should have handled it in October We are now in May and I have horrible creditThanks to the Revdex.com for all your help I so appreciate you guys !
February 23, [redacted] **., Apt Roseville, CA Dear Mr [redacted] , On February 15, 2017, we received your complaint filed with the RevDex.com and has been forwarded to me for review and responseIn your complaint, you stated you were having a problem reaching someone in our Member Service Contact Center to assist you with being locked out of the online banking systemYou also stated you experienced bad customer service at one of our branch locations On February 16, 2017, I understand you were able to speak with one of our Member Advocates to address the above-mentioned issuesAs a result, we were able to assist you in accessing your online banking and provided you with the Contact Center hours of operation for future reference I have shared your concerns with the Regional Management team so they may address the experience you received at the Roseville Branch Additional training and coaching will be provided as neededThank you for bringing your concerns to our attention and because we value your membership, we apologize for any frustration or inconvenience this matter may have caused Sincerely, [redacted] | Channel Administration Golden Credit Union E ***@golden1.com
It was there policy to offer a life time rate of 10% on the [redacted] Card as long as I was a member....they have all the information on this and should be able supply you with it..if not I will take it to my lawyer
March 29, [redacted] Redbarn Ct Oakley, CA Dear [redacted] ; On March 20, 2017, we received your complaint filed with the Revdex.com In summary, you feel that our representatives treated you rudely, denied providing account information and failed to transfer you to a supervisor as requestedGolden strives to provide exceptional service with every member interaction so we take these allegations seriously We reviewed all call recordings related to your complaint and we confirmed you were not able to complete the account security questions for the account, which are used to identify authorized parties on behalf of the account holderAt that point, neither the representatives with whom you spoke nor a supervisor were able to discuss the account with youWhile we believe our representatives appropriately handled their communications with you, we will use this experience as a coaching opportunity to meet our exceptional service commitment Should you have any further questions or concerns regarding this matter please feel free to contact me Sincerely, [redacted] Manager, Member Care Support Golden Credit Union [redacted]
December 21, [redacted] San Pablo, Ca RE: Conversation Summary Dear MrC [redacted] , This letter is to summarize our telephone conversation that took place today, December 20, Golden Credit Union appreciates your feedback, which helps the credit union improve its service As promised in our conversation, I have enclosed a copy of the pre-approval letter that was previously provided to you The disclosures pertaining to the savings account and credit inquiry are located on page of the letterWe do, however, acknowledge and understand that you did not intend to open a savings account or have your credit pulled In an effort to exhibit our commitment to service excellence, we agree to have the credit inquiry removed from your credit reportI have submitted the request to the appropriate department and will contact you via telephone once the request has been completed Thank you for bringing your concerns to the credit union’s attention and allowing us the opportunity to address themIf you have any additional questions related to this matter, please feel free to contact me directly at [redacted] Respectfully, [redacted] Manager, Consumer Direct Lending Enclosure: Pre-approval Letter
I am rejecting this response because:The phone number given is not the correct number, I had to call the number on the back of the Golden One debit card to be told thisAlthough it is neither the banks fault or mines, $1,was taken out of my money in regards to this overdraft of $3,250.00, and a balance still remains of $2,This happened over a six month time period and the "Customer Care " stated that I have three months to pay back this amount before my account is sent over to Chex Systems and closed, they refused a payment plan option for me
December 19, Ms [redacted] Auburn, California Dear Ms***: This letter is in response to the request that you submitted to the Revdex.com regarding your Toyota Camry auto loanYou requested you would like the automated phone messages regarding the payment of your loan to stopPlease accept this letter as confirmation that your loan account has been removed from the automated phone message system and any future collection calls will be initiated manually by a Golden representative As a reminder, your auto loan payment in the amount of $ was due on November 25, Unless requested in writing, Golden Credit Union will attempt to call you manually, while your account remains in a past due status Golden Credit Union apologizes for any inconvenience this may have caused you Thank you for bringing your concern to our attention Sincerely, [redacted] Manager, Member Care Telephone: [redacted] E-mail: l [redacted] @golden1.com December 23, [redacted] Auburn, CA Dear Ms***, The RevDex.com forwarded us additional information on December 16, in regards to a transfer of funds from your account and removal from the Courtesy Pay ProgramYour correspondence was forwarded to me for response and resolution A letter was sent notifying you that your account ending in ***was no longer eligible for the Courtesy Pay ProgramPeriodically we perform systematic reviews of the Courtesy Pay Program to verify each account still meets the eligibility requirements of the program Due to your loan being delinquent more than days, your account was no longer eligible for this program On December 15, a transfer was made from your checking account in the amount of $and placed on the loan to bring it current This action in turn re-qualified you for the Courtesy Program Your auto loan is now current and the payment cannot be reversedAs a courtesy we have reimbursed the $ACH insufficient funds fee and placed it back into the checking account We genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely, Kathy Flynn Vice President, Account Services
[redacted] Dear [redacted] , Thank you for taking the time to contact the Credit Union with concerns about your accountMember comments such as yours allow us the opportunity to evaluate the level of service provided across the organization I am writing in response to your correspondence with the Revdex.com regarding the report to ChexsystemsYour correspondence was forwarded to the credit union on September 2, for response and resolutionUpon conclusion of our research regarding the events referenced in your correspondence; we determined the amount reported to ChexSystems was accurateAs of June 5, your account had an overdrawn balance of $The account was closed on June 5, and you were reported to ChexSystems We genuinely appreciate you taking the time to share your thoughts and concerns regarding your experience with your checking account Sincerely, [redacted]
June 22, [redacted] Victorville, CA Dear Mr ***, We are in receipt of your rebuttal to our response issued through the RevDex.com on June 21, To summarize, you believe the response provided by the Credit Union contained incorrect information and ask that proof is provided for the inquiries on your credit report We have reviewed your call with a Member Solutions representative on May 31, During your call, an application was obtained for a Personal and Vehicle loan The employee obtained your permission to access your credit report before beginning the applications You discussed a Personal loan in the amount of $4,with a repayment term of months When entering the application, the employee made an error and entered the amount of $48.00, instead of $4,We confirmed the application for the vehicle loan was entered shortly after for the amount of $5, On June 1, 2017, Valley Hi Kia submitted two vehicle loan applications to Golden through the Credit Union Direct Lending (CUDL) programBoth applications containing your personal information, were submitted for the purchase of a Honda OdysseyOur records indicate the loan amount on the applications were , $19, and $11, The original credit report obtained through Experian on May 31, was used to process the applications We have confirmed only credit report was obtained and used for our decisions on all four aforementioned requests to extend credit Based on our decisions, separate Adverse Action notices were mailed to you, which contain detailed information of each loan, as well as the reason for denial We have re-confirmed that our one inquiry complied with the permissible purpose provisions of the Fair Credit Reporting ActThank you for bringing your concerns to our attention Sincerely, [redacted] | Channel Administration Golden Credit Union [redacted]
September 8, [redacted] [redacted] Dear Mr [redacted] , I am writing in response to the compliant you filed with the Revdex.com (Revdex.com) on August 21, regarding counterfeit items you deposited to your Golden account and subsequently withdrew the funds Golden makes every effort to protect our members from fraudulent activitiesOur staff cannot know when a check, that appears to be legitimate, will be returnedIt is usually the circumstances around the checks being provided to our members that indicate if they are potentially fraudulentAs the accountholder, you are responsible for all items you deposit into your account There are many scams that prey on individuals, such as yourself, and we will do what we can to assist you through the processIt does not appear that you suffered a financial loss as a result of this scamThe Senior Manager of Financial Investigations has attempted to contact you to clarify the situation; however, you have yet to return his attemptsWe believe that you are concerned about your inability to use Bill PayWhen an account has been compromised it is restricted and the member is temporarily unable to use online banking until the situation is resolvedAlso, since your account has been compromised, you will need to obtain a new account number and re-enroll into the online banking service We do want to provide you the following suggestions and information to help you going forward Suggested steps to take if you have been scammed: Contact your local police department to file a reportFile a report with the Internet Crime Complaint Center at [redacted] File a complaint with the Federal Trade Commission at [redacted] ..We understand your frustrationI hope you find the information in the above links helpfulIf you have any additional questions or would like to clarify your concerns, please contact [redacted] , Senior Manager of Financial Investigations directly at [redacted] , or you can email him at [redacted] Sincerely, [redacted] Vice President, Account Services
Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me I feel that the first time I was put through the person did not listen and was short and I felt cut off during the course of the conversationIn the near future, it would be helpful to provide some additional training on certain aspects of customer service over the phone[redacted]
March 22, [redacted] San Jose, CA Dear Mr***, I am writing in response to your correspondence with the Revdex.com (Revdex.com), your complaint was sent to Golden Credit Union on March 16, for response To summarize your statement to the Revdex.com, on March 15, you performed a cash deposit at a Golden Credit Union ATM located at Golden Gate Avenue, San FranciscoThe ATM accepted the cash after several attempts then failed to credit your account at Alliant Credit UnionWhen you contacted our Member Service Center, we referred you to your financial institution for resolution ATM deposits through the Network are governed by rules to protect credit unions and members In the event there is an error, your credit union, in this case Alliant Credit Union will contact Golden on your behalf As the depository institution receiving the ATM deposit, Golden is not able to credit your Alliant Credit Union account in the case of an error For these reasons, you were asked to work with your credit union for resolution We do appreciate your feedback regarding the service issue you experienced with our ATM and have addressed this with our ATM servicer If you have further questions or concerns regarding this matter, please feel free to contact me directly at [redacted] Sincerely, [redacted] Vice President, Account Services
Please see attached: January 9, [redacted] Sacramento, CA Dear Mrs [redacted] , Your recent comments to the Revdex.com have been forwarded to me for review and response Member comments such as yours allow us the opportunity to evaluate the level of service that is being provided across our organization We apologize for the issues you have encountered over the last few months I have performed a thorough review of your account and contact history as well as your interactions with our branch staff to determine how this unfortunate situation occurred The only error I was able to identify was that the loan was not transferred to the individual account as you requested, but to another of your joint accounts However, the account and loan history clearly indicated the account number where the loan had been transferred, so it is unclear how an employee could have missed that the loan was transferred and not paid in full Furthermore, multiple statements and late notices were mailed to the address on file notifying you of the locations of your loan and the status Due to our findings while researching this complaint, one of the late fees charged to your loan was reversed The negative credit reporting and remaining fees will remain A separate letter has been mailed to your home address detailing the reasons for our decision Once again, thank you for bringing your concerns to our attention and we apologize that your request was not processed as you originally requested We value your membership and we look forward to assisting you in the future with your financial needs Sincerely, [redacted] | Channel Administration Golden Credit Union E ***@golden1.com
February 16, [redacted] [redacted] ** [redacted] Dear Ms [redacted] , I am writing in response to your correspondence with the Revdex.com, dated February 12, 2016, regarding a hold placed on your account On January 22, you deposited a counterfeit cashier’s check in the amount of $via mobile deposit, which you subsequently withdrew The check was returned as altered/fictitious on January 27, bringing your account negative -$ The direct deposit you refer to was offset to eliminate the negative balance You have a balance of -$ due to the Credit Union Your accounts are not currently restricted; however, further fraudulent activity could result in account closure Sincerely, [redacted] Vice President, Account Services Golden Credit Union
November 1, 2016 [redacted] Dear Mr. [redacted] , We are responding to your concerns addressed to the RevDex.com about your Student ***... account. Your correspondence was forwarded to me for response and resolution. We reviewed the call and the information you were provided by a Golden 1 representative and found it to be inaccurate. We apologize for the miscommunication; the individual has received training and coaching. Per your request, we removed the trade line from your credit report which should take affect at all credit bureaus in 5-7 business days. We do recognize that you have many choices when it comes to financial services and we appreciate your decision to place your business and trust with Golden 1. If you have further questions or concerns regarding this matter please feel free to contact me directly at [redacted] . Sincerely, [redacted] Vice President, Account Services
Please see attached-Thank you
March 22, [redacted] *** [redacted] *** [redacted] Dear Mrs***, I am writing in response to the compliant that you filed with the Revdex.com (Revdex.com) on March 16, I wanted to let you know that at Golden we do our best to protect our members from fraudulent activities Our staff cannot know when a check that appears to be legitimate will be returned It is usually the circumstances around the checks being provided to our members that would indicate if they are potentially fraudulent We have to count on our members to question these circumstances There are many scams that prey on individuals, such as yourself, and we will do what we can to assist you through the process but we are not able to credit you money for a fraudulent check We do want to provide you the following suggestions and information to help you going forward Suggested steps to take if you have been scammed: Contact your local police department to file a reportFile a report with the Internet Crime Complaint Center at [redacted] File a complaint with the Federal Trade Commission at [redacted] Useful links for more information on mystery shopping and scams: [redacted] You may also wish to visit the Mystery Shopping Provider's Association (MSPA) website at [redacted] for a list of reputable mystery shopping companies We understand your frustration I hope that you find the information in the above links helpful Sincerely, [redacted] VP, Account Services
I am writing you today regarding an ongoing dispute involving a previous loanAs I am sure you are aware, I have brought about concerns and disputes via several channelsI have received your response, dated April 13thIn response to the information you provide I insist the following: The Notice of Intent to Sell Property was not received by me nor did I sign for itIf your records have evidence it was sent, it certainly wasn’t signed for or accepted by mePerhaps it was signed for by a relativeI have seen this happen before but for future reference, I live in Elk Grove, California not Galt, CaliforniaI did not receive the deficiency letter in which you make reference toI still insist the credit reporting is inaccurateUltimately, I suspect Golden will continue to insist they proceeded responsibly and I will insist they handled it irresponsibly which does not bring a resolution to the matterA resolution is ultimately what I seekIt is my intention to find a resolution to this whether it be with Golden directly, with the assistance of involving more outside agencies, taking to social media or via litigating itI think handling the matter privately is advantageous for the both of us in terms of time and costThe Statute of Limitations to collect the balance in question is running down – in the event I am sued I will certainly respondNo default judgement would be acquired hereFurthermore, if a judgement was obtained – I have no wages to garnish, no assets to lien and no active accounts to levy (feel free to check public records)In the event I did acquire assets in the future, Golden would likely take position behind other creditors who are also seeking repaymentIn this case because of my finances, I would be forced to file bankruptcy due to my lack of ability to repayMy outstanding balances in default are in the six figures and I have another vehicle deficiency that is triple the balance of the one at Golden (of more than accounts in default)I am fully aware of the direction furnishers have been provided regarding deleting accurate trade lines and I am familiar with the many stages of disputesI think by this point it might be clear I am not a typical consumerI am adamant that Golden is not reporting correctly and I would greatly prefer to avoid the daunting, expensive and disgustingly slow process of suing Golden to prove thatI am currently already litigating matters similar to these as a defendant (feel free to check public records)Please consider the following requestWould Golden settle the account for 30% of the total balance owed in exchange for considering the account fully resolved and agree to delete the trade line in full from all my credit reports as part of such a settlement? My request is far different than the sought-after “pay for delete” agreement as I am actually requesting inaccurate information be deleted for settlementIf Golden has concerns about the deletion they should be able to reference that I have filed multiple credit disputes and have involved five agenciesWith that said, I think it is quite obvious that inaccurate data may exist and that a deletion and settling the account would be a good business decisionI believe Golden would likely be ordered to compensate me for their errors if we presented this as a case, so I feel an offer of compensation from me to Golden is more than fair and equitableThe case numbers for my filings with the five agencies I reference are belowThank you for your timeSincerely, [redacted]
I am rejecting this response because: based on statements regarding my giving permission to Golden One Credit Union for any other application than the request for personal loan ($5000) and refinancing loan for the [then] current loan ($5600) of which only one exact amount is properly reflectThe statements made by this credit union are completely and I challenge them to prove otherwise!
Thank you for taking the time to contact the credit Union with concerns about your accountMember comments such as yours allow us the opportunity to evaluate the levels of service provided across the organizationI am writing in response to your correspondence with the Revdex.com regarding an unauthorized check that cleared your account and you’re seeking reimbursement for the checkYour correspondence was forwarded to the credit union on December 12, for response and resolutionFrom your correspondence, we understand you were provided with inaccurate and inconsistent information when inquiring about when you would be receiving credit for the unauthorized check for the amount of $ 299.63, which was debited from your account on November 18, I sincerely apologize for you experience in trying to resolve this matterA credit was posted to your account for the full amount of the check in the amount of $As a one-time courtesy, we reversed $for a Courtesy Pay fee that was charged to your account on December 7th, We genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely [redacted] Vice President, Account Services
Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me I appreciate you all finally looking into this as this ha caused my life hell and ruined my creditYou are now doing what you should have done in the first placeI do not look forward to ever doing business with golden against you all have horrible customer service associates and it should not take me going to the Revdex.com to make it better as I customer if I call and [redacted] you should have handled it in October We are now in May and I have horrible creditThanks to the Revdex.com for all your help I so appreciate you guys !
February 23, [redacted] **., Apt Roseville, CA Dear Mr [redacted] , On February 15, 2017, we received your complaint filed with the RevDex.com and has been forwarded to me for review and responseIn your complaint, you stated you were having a problem reaching someone in our Member Service Contact Center to assist you with being locked out of the online banking systemYou also stated you experienced bad customer service at one of our branch locations On February 16, 2017, I understand you were able to speak with one of our Member Advocates to address the above-mentioned issuesAs a result, we were able to assist you in accessing your online banking and provided you with the Contact Center hours of operation for future reference I have shared your concerns with the Regional Management team so they may address the experience you received at the Roseville Branch Additional training and coaching will be provided as neededThank you for bringing your concerns to our attention and because we value your membership, we apologize for any frustration or inconvenience this matter may have caused Sincerely, [redacted] | Channel Administration Golden Credit Union E ***@golden1.com
It was there policy to offer a life time rate of 10% on the [redacted] Card as long as I was a member....they have all the information on this and should be able supply you with it..if not I will take it to my lawyer